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If you're going to utilize a small-cap index like the Russell 2000, you might desire to stop briefly and think about why an excellent index fund company, like Lead, does not have any funds that follow it. The factor is due to the fact that it's a lousy index.
I have not even dealt with the straw man right here yet, and that is the truth that it is relatively unusual that you really have to pay either tax obligations or significant compensations to rebalance anyhow. I never have. Most smart investors rebalance as much as feasible in their tax-protected accounts. If that isn't fairly adequate, very early accumulators can rebalance purely making use of new payments.
And of program, no one should be buying crammed shared funds, ever. It's actually also negative that IULs don't work.
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